CPS Card Personalization System

Card Personalization System Agenda The Company Product Description CPS Market Drivers Functional Overview Demo Conclusion

CPS The Company Product Description CPS Market Drivers Functional Overview Conclusion

Card Personalization System Sigmenta’s Operating Model Headquarters in Madrid, Spain Majority shareholder is GMAST Group of Israel Dedicated to the research, development and implementation of technologies for synchronous processing and evaluation of transactions (STT ®) Operating in: Europe North and South America

Card Personalization System Spain Software Development and Sales Offices in Europe, USA and Latin America Israel Presence and projects in 27 countries Physical Security Border/Perimeter Security Turnkey Security Projects Israel Group R&D Venture Capital GMAST International

Card Personalization System Venezuela Integrated Security Services Product Representation Services Security Operations Outsourcing Research and Intelligence Venezuela Software Factory In-house development and deployment of GMAST applications. Off-shore outsourced development services for clients GMAST Group

Card Personalization System TFRS Transactional Fraud Reduction System Integrated real time solution for card fraud control CPS Card Personalization System Personalization of the consumer profile of payment cards eBONUS CNB Banking services for unbanked individuals, payment card personalization, and streamlining of expense management processes Loyalty Controls the level of customer loyalty in financial and non-financial institutions Our Products

CPS The Company Product Description CPS Market Drivers Functional Overview Conclusion

Card Personalization System What is CPS? A transaction authorization process that enables real-time transaction approval or denial, according to conditions pre- established by the customer Cards and card profiles (for a single cardholder or for a group) are created and managed under a single BIN. Cardholder has direct control over the card profile, which he or she can define and modify according to personal or professional needs.

Card Personalization System What is CPS? Based on neural nets and Synchronous Transactional Technology STT 4G ® Analyzes and approves or denies transactions in real-time Immediate, seamless integration into the issuing bank’s existing systems. Capacity to impose detailed combinations of conditions of use. Conditions include: transaction amount limits, transaction type (ATM, POS, etc.), vendor/vendor category, time periods during the day, etc. No need for a separate BIN

Card Personalization System STT 4G Synchronous Transactional Technology 4 th Generation - STT 4G ® Real-time technology for solving real life problems No time-out in response Breakthrough solution for managing transactions Flexibility to create innovative business models Strong customer acceptance

Card Personalization System Supports financial institutions’ strategies Cost reduction New service development Customer fidelity Expands business opportunities beyond the financial world Welfare Government benefits Telecom “We created an emerging technology…..” STT 4G

Card Personalization System S.A.T. divides the work into two separate processes: ASYNCHRONOUS MODULE Analyzes and processes asynchronously, without impacting critical response time, all data to be considered in the client’s next transaction. SYNCHRONOUS MODULE Evaluates the incoming transaction in real-time, subjecting it to constraints set by the asynchronous module. To evaluate an operation in real-time, we face: Long codeHigh intelligence Much processing time Short code Little intelligence Little processing time To solve this problem and obtain good results online we need: High intelligenceLittle processing time Short code Neural Network & Expert Systems Technology Synchronous/Asynchronous Technology – S.A.T. S.A.T.

CPS The Company Product Description CPS Market Drivers Functional Overview Demo Conclusion

Card Personalization System CPS Market Drivers Cardholder (or card manager – e.g. company, family member, government, etc.) can easily define and manage the card profile System provides an infrastructure for an entire suite of original and personalized products Risk of misuse and costs are reduced Image improvement Increase customer satisfaction Overcomes drawbacks of Purchase Cards, Fleet Cards and Corporate Cards

CPS The Company Product Description CPS Market Drivers Functional Overview Conclusion

Card Personalization System AUTHORIZATION SYSTEM MainFrame/AS/400 Media System Trigger STT Database Synchronous Alert Engine Link Asynchronous Clients Authorization Tx CHANNELS POS ATM VRU Call Center Teller Franchises (Visa, MC, AMEX) Internet Natural Customer Corporate Client WEB Call Center Branch Office Massive Charge Inbound/Outbound Web Pages Mobile Telephone Start Card Admin. FRONT CPS Diagram Connectors Platforms Synchronous Operative Tables Administrative Tables Asynchronous

Card Personalization System Intelligent Interface to external Systems Synchronous Decision Makers Personalized front-end application Credit-Debit Card System Transaction DB contains user profiles indicator CPS Architecture

Card Personalization System Example A company wishes to control credit card expenses for sales personnel Conditions: Business-related purchases limited to certain establishments Restaurants Gas Stations Hotels Car Rentals Pharmacies Transactions performed during work hours Daily, weekly, monthly transaction amount limits Limited to POS purchase Minimum time interval between transactions

CPS The Company Product Description CPS Market Drivers Functional Overview Conclusion

Card Personalization System Opportunities Purchase card Immediately applicable to existing: Credit cards – Personal & Corporate Debit cards Private label cards Meal Vouchers Family Group Cards Co-Branded Cards Insurance Cards University Cards Pharmacy and Medical Cards Travel & Expense Cards Phone Cards Prepaid Cards: Open or Closed

Card Personalization System Conclusion Sigmenta Card Personalization System (CPS) is an innovative and robust solution that enables card-issuing institutions to instantly create new products for their end customers, offering highly personalized spending management. The system implements Sigmenta’s innovative Synchronous Transactional Technology (STT 4G ®) to verify every transaction against multiple, rich conditions before it is approved. Implementing CPS, financial institutions can present new offerings to their cardholders, thus gaining competitive advantage

CPS Card Personalization System